certificates of insurance 101...the do`s and don`ts

Transcription

CERTIFICATES OF INSURANCE
101...THE DO’S AND DON’TS
SPONSORED BY
10/28/2013
Certificates of Insurance
To Say
Or
Not
To say
This program is designed to provide accurate and authoritative information in regard to the subject matter
covered. It is provided with the understanding that the publisher is not engaged in rendering legal,
accounting, or other professional service. If legal advice or other expert assistance is required, the services
of a competent professional person should be sought.
With special thanks to the Insurance Services Office, Inc. for advance information, continued support, and
permission to use their forms and information. April 2013
What IS … a certificate ….
What is a certificate of insurance?
 Informational snapshot only
 It is for general informational
purposes only and confers no
rights
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ACORD states in certificate
compilation instructions:
The beginning of the Certificate of
Liability ACORD # 25 states
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In the ACORD instructions for
compilation of ACORD 25:
What is a certificate of insurance?
What IS … a certificate ….
 It is subject to all of the terms and
conditions of the various policies shown
The middles of the ACORD
certificates states:
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A CERTIFICATE does NOT
 extend any contractual rights to the holder
not provided by the policy
The ACORD certificate states:
Should not ISSUE certificate until AI
endorsement is received
A CERTIFICATE does NOT
 represent compliance with any contracts
entered into by the insured with others
ACORD compilation instructions tell us
NOT
to quote contract wording on certificate
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DOES
NOT:
amend,
extend or
alter
coverages
or terms
afforded
by the
policy
What causes EO issues
with
Certificates of insurance
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Certificates - new v. old
Potential certificate holder wants
the OLDER certificate ….where the
cancellation time period can be
shown
Should this be done?
11
Probably the BESTEST certificate change in
2009 (PS there is a April 2013 version now …)
is the final disclaimer ….
Short and sweet …
If policy is cancelled …
it will be per policy provisions …
12
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Certificates - new
v.
old
13
Since cancellation notice is based on policy
language ….
certificate holder and additional insureds ain’t
gettin’ nothin’ …
they are NOT part of the cancellation food
chain …
unless company writes OWN endorsement
stating differently.
14
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No more “endeavor” …
no more typing in the number of days …
many times incorrectly …
no increasing your EO potential ….HURRAH!!
15
Some of the entities that my client
needs to provide certificates for … will
NOT accept the new and improved
certificate …
They want me to use the old
“endeavor” section … cross it out and
guarantee 30 days
what do I do?
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On June 28,2010 ACORD wrote:
17
On June 28,2010 ACORD wrote:
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In 2012 ACORD wrote:
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Copyright issues
In a Virtual University publication on
certificates of insurance
ACORD (Association for Cooperative Operations Research
and Development) files its forms with U.S. Copyright Office
If use copy written material outside permission …violate
17 U.S.C. section 504(c) Copyright holder COULD recover statutory damages in –
ranging from $200 to $150,000 depending on various factors
… once of which is willfulness
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Copyright issues
In a Virtual University publication on
certificates of insurance
Also … reminding us that once ACORD has
created a new form …that the old form can
only be used for a year after the new one was
created …
The certificate that removed the “endeavor”
language was changed in 2009 ….what year
is it now????
What causes EO claims with
certificates
Requests for Specific Language
 Contractual insurance requirements
 Requests to paraphrase contract/policy
language on certificate
 Specific information requested in Description
of Operations verbiage
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What
to
type
or
not to type
23
What to type or not …
ALWAYS state operations …
. Can save you from an EO claim from
the third party
since you were specific in the remarks
section
as to the operations of your insured
24
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that helps YOU identify to potential
certificate holder just WHAT your client
is classified/insured to do…
ACORD
instructions
25
this protects YOU should the insured
misrepresent what they do on
1) original application
2) renewal application
And company denies claim for
misrepresentation
26
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Also …
warns the certificate holder …up front
and
if they don’t read the certificate …
NOT YOUR FAULT
27
We know that the ISO CGL picks up
NEW operations during the policy
period…
but what if this is NOT a new operation…
and the insured has lied on the application
as to what he/she/it really does…
and with some companies ….the ONLY
operations that they are covered for!!
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Am I required to list exclusionary
endorsements on certificate?
.
This is ANOTHER beauty of the
updated ACORD certificate …
it no longer asks us to list them …
not that you did …anyway …
29
REVIEW ACCORD Instructions
DON’T RECITE LANGUAGE …DON’T ADD LANGUAGE NOT
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FOUND …attach policy or endorsement
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Primary and non-contributory or not
Does the potential certificate holder want the
certificate to state
“insurance is provided on a primary and noncontributory basis”
on the certificate???
Should you state this??
Should you put …
“insurance is provided on a primary basis?”
31
Your EO carriers do not want you to write
ANYTHING else on this certificate- follow
ACORD instructions …will be helpful in court!
According to ISO policy language …there is
NO SUCH THING AS ….
primary and non-contributory …
32
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There is
Primary
There is
Excess
But the word “non-contributory” does
not exist in ISO-land
(until 4/2013 Gl filing )
33
How DOES the policy read…CGL
The Other insurance language …starts out
discussing when it is primary
If I am named insured …
my policy is primary for
me
If I hold you harmless …
my policy is primary for
YOU …
If I make you an
additional insured … my
policy is primary for you
34
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How DOES the policy read…CGL – Other insurance
ACCORDING TO
ISO policy
language
MY policy will
be PRIMARY for
you
35
If YOU have a
CGL
Then YOUR
policy is
PRIMARY FOR
YOU
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YOU don’t
WANT my policy
to be primary for
you …
because if it
STAYS primary
for you …
we next have to
read about
SHARING….
37
Oops …if
YOUR policy is
primary for you
And MY policy is
primary for YOU
They both have
to SHARE!!!
YOU …don’t want to share!!!
38
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How DOES the policy read… CGL – Other insurance
Without a COMPANY SPECIFIC ENDORSEMENT …
MY policy will ALWAYS be primary for you ….
And then YOUR policy will have to SHARE …unless
39
YOUR policy has additional language
How DOES the policy read…CGL Other insurance
YOUR policy can be EXCESS for YOU …IF
……
This is ISO CGL 2004 and 2007
Your policy will be EXCESS and NOT have to share with MY
policy if YOU are added to MY policy as an additional insured
40
for prem/op and/or products co/op
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YOUR
policy
canread…CGL
be EXCESS
YOU …
How DOES
the policy
Other for
insurance
IF ……
Red words
added in 2004
The 1998/2001 CGL
only made your policy excess when you were added to my
policy for premises operations ….
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So if you were an AI for prod/co op …your policy had to share
I ask you …
How do you DARE type in primary
AND non-contributory if you have a
“straight” ISO policy ….
How do you KNOW
what policy or edition
the certificate holder has???
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2013 CGL edition modifies other insurance
slightly …
Changed because some companies add
AI status within form and not by
endorsement
43
Even better CGL 2013 news …endorsement to
change Other Insurance clause to “primary and noncontributory
44
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How DOES the policy read… BAP
The BAP makes the certificate holder an insured
whether added officially or not …
as long as legally liable for conduct of your insured
If you are an insured …
then coverage under MY policy is
PRIMARY for YOU …
45
How DOES the policy read…BAP– Other insurance
So …if MY policy is primary for YOU …
what does YOUR policy say ….
YOUR policy states it is EXCESS!!!!
So …it WON’T share with a primary ….
46
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How DOES the policy read…
The “best” that ISO does is …
primary
excess
Until the 2013 CGL edition
ISO does NOT use the word
“non-contributory” …
so …neither should you UNLESS you have a
COMPANY specific endorsement!
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Additional insured requests
I know …
If you don’t type what the insured wants …
They
won’t get the job
will go elsewhere
won’t get paid
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Perhaps …
you need to
move the account to an insurance
company who has a policy with the
language that is necessary
let the insured go to an agent who
will knowingly type incorrect
information on a certificate
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Perhaps …
Clients should be cautioned at the get go
1)
to read what they sign and …make
sure they understand it
2)
have their attorneys read contract
before they sign and then negotiate
a “doable” contract
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Truly ….
the clients failure to plan
does NOT constitute an emergency on
YOUR PART
you are their insurance agent not their
psychologist
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Putting language on a certificate that YOU
know is NOT found in policy language is
is …unethical
and …
could be considered a potential civil or
criminal offense…
and …..
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Might NOT be covered under your EO policy if
the EO policy contains an
intentional acts exclusion …..
or
knowingly violating a law
Remember EO is for “negligence”
53
If Additional insured status is
REQUESTED
And PROVIDED
CAN you show endorsement number
on certificate ….
I’d also show expiration date …give ALL the
information.
54
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Certificate holder wants you to list
All the additional insureds requested
in contract on the certificate …
Should you do that …
Where would you do that???
55
Again …NOT A GOOD IDEA …
ANYTIME you type something …more than
once (AI endorsement request to company)
and on certificate for certificate holder …
One runs the risk of making a mistake
56
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First …
you should not provide
Certificate UNTIL the AI endorsement
request has been fulfilled by insurance
company …and you have it in your hot little
mitt …so you know what it says
Sometimes …
does the company decline to provide AI status
for the COMPLETE listing that was
requested????
57
The suggestion is to send the endorsement
under separate cover …along WITH certificate
Then the certholder has exact endorsement
language and wording
58
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Additional insured endorsements
Speaking of additional insureds …
Certificates….
Endorsements …
What should be said and what should be
shown
59
Additional Insured status and certificate
Most additional insured requests are for ALL
BI/PD …
To extent allowed by law
which means …premises operations and
products completed operations ….
Which means TWO endorsements ….and
NO exclusions ….which is impossible
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Can you state:
“Additional insured per written contract”
On the certificate???
Not a good idea
1) if you don’t have AI endorsement …
again …did all the names desired
get on the endorsement?
2)
WHAT does “per written contract”
mean???
61
Does written contract want AI status on direct
(not vicarious) basis?
Does contract require certain endorsements
and certain edition dates???
Does written contract want AI status on
primary and non-contributory basis
Does written contract require cancellation
notice for entities listed on AI endorsement
62
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Do you just
“assume”
that “per written contract “
is all about …
the limits requested
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CG 20 10 07 04
Operations
only – used to
say “your
work” – years
ago
No more
Sole fault –
used to say
“arising out of”
…
As of 2004
says caused by
YOU …
64
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CG 20 10 04 13
2013 changes
Restrict AI
coverage to
that allowed by
law
Restrict AI
coverage limit
to that required
in contract
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2013 changes
Limit of insurance
provision also
modified with
these changes
66
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CG 20 33 07 04
Blanket
additional
insured
endorsement …
for prem/ops
Like CG 20 10 no
“sole fault”
coverage for
additional
insureds
Prem/op only
Requires written
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request
2013 changes to CG 20 33 Blanket Additional insured
endorsement same as CG 20 10
1. Restrict AI coverage to that allowed by law
2. Restrict AI coverage limit to that required in contract
3. Limit of insurance provision also modified with these
changes
68
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CG 20 37 07 04
No sole
fault
coverage
Completed
operations
coverage
No
blanket
option –
named AI
only
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2013 changes to CG 20 37 Owners, Lessees, Contractors
– Completed Operations same as CG 20 10
1. Restrict AI coverage to that allowed by law
2. Restrict AI coverage limit to that required in contract
3. Limit of insurance provision also modified with these
changes
70
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BEWARE of what YOU state on certificate regarding
AI status ….
just make CHECK MARK
No statements regarding extent or type of coverage
…offer to send a copy
Also….
Don’t “check” that AI exists …unless have
endorsement issued ALREADY
71
Just check …no statements … about endorsement
Also …can’t “check” W/C as there is no AI endorsement
available
72
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What limits to show on certificate
What if the contract requires a lower limit than
the insured carries …
should I only list the contract limit or the exact
policy limit?
ALWAYS tell the truth …
if the insured has made
the certificate holder an
“insured” then
the full policy limit is available …
73
Contract vs. Policy Limits
 Insured has a $5M policy limit and the contract
only requires $1M, so he only wants the certificate
to show $1M so he doesn’t reveal his full limit
ACORD instructions state
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Issuing the certificate
What if the contract requires a lower limit than the
insured carries …
should I only list the contract limit or the exact
policy limit?
if your insured has merely held the
certificate holder “harmless”
then it cannot get more than contract
required ….
If they are an additional insured …oh well
75
Contract vs. Policy Limits
It is misrepresentation to state
otherwise
Current ISO CGL AI endorsements will
allow more than contract limit
2013 CGL endorsement will do what
client wants … restrict coverage limit to
what requested in contract
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If the project is ongoing …
could a new certificate be required each year?
What limits would you then tell?
ALWAYS the current policy limits …
we do not have to worry about any aggregate
being used..per the disclaimer
77
Sending COIs to Insurers
Should we send certificates to
insurance companies …
we are told that they don’t want
us to
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Sending COIs to Insurers
Send them whether they are wanted or not
Marlin v. Wetzel (WV Sup. Ct., 2002)
Erie v. NGM (NY trial court, 2009
Virtual University seminar suggested:
Scan and send/upload with statement:
“Our internal procedures and our legal
counsel require that a copy of all certificates
be sent to our carriers.”
And …make it a normal business procedure
Binders,
evidences of insurance
or
certificates of insurance …
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Binders, evidences of insurance or certificates of insurance …
I recently received an email question
regarding what to provide to a mortgagee
for a closing.
The answer of course depends on the
exact type of transaction
but
let’s look at the INTENT behind each of
these ACORD forms.
81
Binder …what’s the point/purpose???
Funny you should ask …ACORD tells you
*A
Binder is a temporary insurance contract
which provides coverage in advance of the
issuance of an insurance policy
(The purpose of a binder is for use when a policy
doesn’t currently exist or a renewal has not been
issued as yet and proof of insurance is desired.)
82
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ACORD also states other facts regarding the binder:
* The improper use of binders has become a major
cause of producer’s Errors and Omissions claims.
It is imperative that only authorized people prepare
them. Preparation must be complete and accurate.
•At the end of the binder’s specified term, all
coverage expires unless a new binder has been
issued
or
the expired binder has been replaced with a policy.83
ACORD also states other facts regarding the binder:
•All binders must conform to the state
insurance code for the state in which the
subject of insurance in located.
MA …doesn’t say too much about binders –
but you need to know what other states
might require if you write business outside of
MA
84
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In MA our law states:
183:65 Acceptance of written memorandum as evidence of
insurance Section 65.
Any mortgagee doing business in the commonwealth who
makes in excess of five mortgage loans per year shall accept
a written memorandum of a preliminary contract of insurance
pursuant to section ninety-eight of chapter one hundred and
seventy-five as evidence of insurance from any duly licensed
agent, broker or insurance company; provided, however, that
a contract for insurance for a term of not less than one year
is issued within thirty days of said memorandum, or in the
event of the cancellation of said memorandum, the
mortgagee shall be provided with prior written notification
85
thereof.
ACORD warns us that…
An agent may only issue binders which
comply with the company’s underwriting
instructions
(per company manual, agency agreement,
correspondence and/or company
underwriter).
If the authority is not in writing, the agent
should obtain written authority
DON’T EXCEED BINDING AUTHORITY
86
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ACORD warns us that…
*Most
agency agreements contain
stated “time frames” within which the
company must be notified of any risk
bound.
You can’t HOLD it forever
binding authority … unlike diamonds
is NOT “forever”
87
The binder itself states:
THIS BINDER IS A TEMPORARY
INSURANCE CONTRACT, SUBJECT TO
THE CONDITIONS SHOWN ON THE
REVERSE SIDE OF THIS FORM.
88
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The conditions on the back
state:
89
The binder and ACORD reminds us
The form reminds us that whatever policy
language applies
is
what the insured has
and
we should NOT be typing anything on the
front that conflicts with policy language.
Hey the MA DOI …said the SAME thing!!
90
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Temporary
insurance….
NO cancellation
Or
Disclaimer
On the front
91
On the back it
talks of
company
policy
language
applicable
And that it IS
cancellable
92
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Evidences of insurance … why???
Evidences of property Insurance
Why was the evidence created?
This “evidence” of an existing policy
was designed for mortgagees or other
loss payee situations
as
proof
of an
existing policy.
93
There are two options.
ACORD Form 27 Evidence of Insurance
which is designed for personal lines or
small commercial risks.
ACORD Form 28 Evidence of Commercial
Property which is specifically designed
for larger commercial risks when more
information is desired by receiving entity.
94
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Evidence of Property ACORD form 27
In the Evidence of Property direction for
completion ACORD states:
ACORD 27, Evidence of Property Insurance,
provides information about
coverages
currently in force on a policy.
95
For personal lines …
if already HAVE a policy and are
merely re-financing …
then
technically the Evidence of Property
Insurance 27 is what you should use
96
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But …
if you do this …
will the bank accept it???
Does the mortgage industry
understand?
97
The 2009 Evidence of Property ACORD 27 has
a cancellation provision on the front of the
form like the Certificate
This is essentially what the binder says …
98
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The 2009 ACORD 27 Evidence of Property
Insurance has a disclaimer at the top (also
like the certificate)
99
The 2009 ACORD 27 Evidence of Property
Insurance has a disclaimer in the middle
(also like the certificate)
100
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This form lets us identify the “interest”
of the recipient
101
Disclaimer
Cancellation
provision
102
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Evidence of Commercial Property ACORD form 28
Contains the same information as the
ACORD 27 Evidence of Property
but also… additional information to the
receiver
such as whether coverage exists for:
business income, terrorism, ordinance
or law, flood, coinsurance, etc.
103
Evidence of Commercial Property ACORD form 28
When to use???
Commercial named insured
must show proof of property insurance
to an entity
that has or will have an interest in insured
property
loss payee
mortgagee
Other type of financial interest
104
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Certificate of Insurance - Property
Why certificate instead of evidence?
ACORD states:
105
ACORD states:
Condo association agreements
Lessor/lessee agreements
106
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Certificate of Insurance -Property
A Certificate of Property ACORD 24 would
not be used for a “closing” on a commercial
or residential property
UNLESS
it is for a condominium unit-owner
and
the commercial agent for the master policy
is showing there is a commercial policy
in force
for the named insured condo association.
107
General rule of thumb….
We DON’T add individual unit-owner
mortgagees to the commercial master
association policy …
So
a certificate of property insurance is
the correct ACORD form.
108
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Same disclaimers
As previously
Discussed under
liability certificate
Current
cancellation
language …read
policy like liability
certificate
109
Certificate of Insurance - Liability
The ACORD 25 Certificate of Liability is
used to show
to another entity
that various liability coverage(s) exist
for a certain entity.
110
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Certificate of Insurance - Liability
ACORD states:
The Certificate of Liability Insurance is
used for most casualty situations in which
the insured has requested certification to a
third party of issued casualty coverages.
The uses of the Certificate can include:
large and small contracting or
manufacturing risks, lessor/lessee
agreements, or other areas of liability
certification.
111
Certificate of Insurance - Liability and Property
ACORD reminds us:
The MA DOI …tells us this too …
112
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ACORD reminds us:
If you have stated the recipient is an additional
insured …you MUST endorse policy
113
ACORD also reminds us:
114
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RECAP
The binder was designed for the situations
when:
NO CURRENT POLICY EXISTS
And
the receiver is going to have an insurable
interest in the property
115
RECAP
The Evidence of Insurance was designed
when
there currently IS a policy in existence
and
the receiver is going to have an insurable
interest in the property.
116
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RECAP
The Certificate of property or
liability was designed as proof of
insurance to another party.
Generally there is no insurable
interest involved.
117
RECAP
In liability business situations such as
general contractor/sub-contractor , etc.,
where the
receiver WANTS to be added to the policy as
additional insured,
ACORD reminds us
that the certificate grants them NO interests
or rights….
an endorsement to the policy is NECESSARY
to provide “insured status” to the receiver.
118
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State laws and issues regarding certificate completion
If I get the insurance company to
let me state something the
certificate holder wants on the
certificate …that is not in the
policy…
Can I do it?
119
State laws and issues regarding certificate completion
When asked to put something on a certifcate
that CANNOT be found in the policy …
If the EO implications are NOT enough …
One might want to consider LEGAL
implications of doing so
120
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The MA DOI bulletin
121
The MA DOI bulletin
122
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The MA DOI bulletin
MA is a
FILE …
APPROVE …
USE …
state
123
What about other states …
could there be laws
regarding WHAT
can be put on a certificate?
124
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Commercial Certificates and condo associations
One agent asked ….
I am interested in your thoughts on
“safe” wording to use when issuing a
certificate of insurance for a master policy.
Most policies do not include “guaranteed
replacement cost” but are insured on a
replacement cost basis up to the stated
limit. Lenders want “all risk” and “100%
replacement cost “ wording.
125
One agent asked ….
Have you seen
or
do you have any sample wording
that satisfies the lender without the
agency becoming the contingent
insurer of the replacement cost
Guarantee?
126
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There IS no “safe” wording….
I have heard that SOME companies DO have a R/C
endorsement available for commercial lines …
perhaps the markets should be re-checked …
but if it is coastal property …
I wouldn’t count on the coverage offering!
127
The ISO BOP that can be modified with the
condo endorsement states ….
we will determine the value of Covered Property
as follows:
(1)
At replacement cost without deduction
for depreciation, subject to the
following:
However … then it goes on to discuss the
“replacement cost underinsurance
penalty” which is similar to co-insurance
128
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The ISO CP 00 17 Condo Association policy states
4.
Loss Payment
a.
In the event of loss or damage covered by
this Coverage Form, at our option, we will
either:
(1)
Pay the value of lost or damaged property;
….
We will determine the value of lost or damaged property, or the
cost of its repair or replacement, in accordance with the applicable
terms of the Valuation Condition in this Coverage Form
Remember the unendorsed CP form is ACV
129
The ISO CP 00 17 Condo Association policy states
8. Valuation
We will determine the value of Covered Property in the event of
loss or damage as follows:
a. At actual cash value as of the time of loss or damage, except as
provided in b. and c. below.
Then you “opt” for replacement cost option…
3. Replacement Cost
a. Replacement Cost (without deduction for depreciation)
replaces Actual Cash Value in the Loss Condition,
Valuation, of this Coverage Form.
Which IS subject to “co-insurance”
130
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So ..
How lucky do YOU feel today
commercial lines agents …..
131
Fannie Mae requirements on mortgage brokers for condo
purchases
132
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HO binders and unit owners
The agent also stated that the Banks want the
HO-6 binder or certificate to state 100% R/C
My answer is “how does it feel to want” ….
but agent decided on the following language:
"Policy is on a replacement cost basis up to
Coverage A limit”
133
Which ..is true …if insured makes repairs
under the ISO HO-6
134
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If the bylaws TOLD the association to cover
the units as well as common property …but
the commercial agent will NOT state on the
certificate:
Coverage is on a 100% replacement cost
basis INCLUDING unitowner
improvements and betterments
What does this mean?????
135
It means that personal lines agents will be selling a
MORE expensive HO-6 …
136
68
10/28/2013
The HO-6 insurance policy must
provide coverage
in an amount that is no less than
20 percent of the condominium
unit’s appraised value.
137
We SHOULD NOT state
“100% replacement cost” or “guaranteed
replacement cost” or any other tidbit of
information that the potential bank or
potential loss payee has asked you to
mention.
UNLESS it is FOUND in the POLICY
138
69
10/28/2013
Thank you for attending…
If you have any questions, please email
imorrill@massagent.com
139
70

certificates of insurance 101...the do`s and don`ts

Transcription

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